OCFC OCEANFIRST FINANCIAL CORP

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Regional bank focused on commercial lending, deposit growth, and community banking experience with diversified markets including Boston, Northern Virginia, and Baltimore
• • New emphasis on Commercial & Industrial loans, rising to 20.1% of total loans from 15.3% in prior year, reducing CRE loan dependence
• • Strategic shift: Enhanced digital capabilities and AI-driven technology investments targeting operational efficiency and customer experience parity with national banks and fintechs
• • Quantitative highlights: Total assets up $1.14B to $14.56B, loans increased $913.9M driven by $797.1M commercial loan growth, deposits grew $898.1M, and 1.43 million shares repurchased in 2025
• • Noteworthy: Issued $185M subordinated notes to redeem $125M notes, executed $1.52B credit risk transfer on mortgage loans to optimize capital and reduce credit risk

Risk Factors

• • Regulatory risk: Pending merger requires FRB, OCC, NYDFS approvals; delays or conditions could impose material costs or restrict combined company operations
• • Macroeconomic threat: $7.63B (69.2%) loan portfolio concentrated in commercial and real estate sectors, exposing to market downturn risks
• • Operational risk: Integration of OceanFirst and Flushing may incur unforeseen costs, delay benefits, and cause key employee losses
• • Competitive risk: Issuance of ~20.9M new shares (11.4M to Flushing holders, 9.5M to Warburg) may depress common stock market price
• • Financial risk: Termination fees up to $46.3M payable on failed merger or investment completion, causing potential significant cash outflows

Management Discussion & Analysis

• • Net interest income primary revenue source; non-interest income includes bankcard, trust, loan sales, insurance
• • Strategy focuses on deposit base diversification, commercial banking growth, improved operating efficiency via IT
• • Residential and consumer loan originations outsourced Oct 2025; $9.5M residential loans in pipeline as of Dec 31, 2025
• • Operates 41 branches in NJ, NYC, Philadelphia metro areas with commercial loan offices across multiple states
• • No specific YoY revenue, margin, profit, cash flow, or forward guidance data provided in text

What are the latest OCFC SEC filings in 2026?

OCEANFIRST FINANCIAL CORP (OCFC) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 1, 2026, an 8-K current report on July 31, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did OCFC file its most recent 10-K annual report?

OCEANFIRST FINANCIAL CORP (OCFC) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view OCFC 10-Q quarterly reports?

OCEANFIRST FINANCIAL CORP (OCFC)'s most recent 10-Q quarterly report was filed on May 1, 2026. SignalX displays every OCFC 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has OCFC filed recently?

OCEANFIRST FINANCIAL CORP (OCFC)'s most recent 8-K was filed on July 31, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find OCFC insider trading activity (Form 4)?

SignalX aggregates every OCFC Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does OCFC file with the SEC?

OCEANFIRST FINANCIAL CORP (OCFC) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new OCFC filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for OCEANFIRST FINANCIAL CORP (OCFC).

What is OCFC's SEC CIK number?

OCEANFIRST FINANCIAL CORP (OCFC)'s SEC CIK (Central Index Key) number is 1004702. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1004702 to look up all OCFC filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find OCFC return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from OCEANFIRST FINANCIAL CORP (OCFC) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.